Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Weak (2.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (7.3). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.3 and a capital leverage ratio of 8.3.
Asset Mix:
Comm re (25%), home mtgs (24%), comm loans (15%), securities (9%), cash (4%), consumer loans (4%), home eq lns (1%), other (19%)
States with Branches:
OK
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
SSB Holdings, Inc.
Investment Rating
--
Address
Two South Main Street
Miami, OK 74354
Miami, OK 74354
Phone Number
(918) 542-6661
Year Founded
1922
FDIC Number
Website
Largest Affiliates
No affiliate information available.